How to Cancel My Axis Bank Credit Card

How to cancel my Axis Bank credit card is a common step when a card is no longer useful or fees don’t feel worth it.

The process is simple. A few checks matter.

Skipping them can cause delays.

Things to do before cancelling the card

A quick checklist helps avoid issues later.

Before requesting cancellation, make sure:

• All outstanding dues are cleared
• No EMIs or pending transactions exist
• Reward points are redeemed
• Next annual fee date is checked

Once the card is closed, rewards usually expire.

Ways to cancel an Axis Bank credit card

Credit cards issued by Axis Bank can be cancelled through multiple channels.

Choose what’s convenient.

1. Cancel via customer care

This is the most common method.

Steps usually look like this:

• Call Axis Bank credit card customer care
• Request card cancellation
• Verify identity details
• Confirm zero outstanding balance

A service request is raised.

Closure usually takes a few working days.

2. Cancel through Axis mobile app or NetBanking

Some cards can be closed digitally.

Flow usually includes:

• Log in to Axis app or NetBanking
• Go to credit cards section
• Select the card
• Choose closure or cancellation option

If available, this is the fastest route.

3. Cancel by visiting a branch

Offline support also works.

In this method:

• Visit an Axis Bank branch
• Submit a written request for card closure
• Provide identity proof if asked

Processing may take longer, but confirmation is clear.

What happens after cancellation request

Once the request is processed:

• Card is permanently closed
• Further transactions are blocked
• A final statement may be generated

The physical card should be cut and disposed of safely.

Does cancelling an Axis credit card affect credit score?

Sometimes, yes.

Closing a credit card can:

• Reduce total available credit
• Increase credit utilisation
• Cause a small dip in score

Closing an old card with a high limit usually has more impact.

When cancelling makes sense

Cancelling works well when:

• Annual fee outweighs benefits
• Card is rarely used
• Too many cards exist

Simplicity matters.

When to think twice before cancelling

Quick tip. Pause if:

• The card is one of the oldest
• Credit limit is high
• Credit score is being actively built

Keeping the card active with minimal usage may help more.

How long does cancellation take?

Usually:

• 5 to 10 working days

A confirmation SMS or email is sent once the card is closed.

Always keep that confirmation.

FAQ

Is clearing dues mandatory before cancellation?

Yes, all dues must be cleared.

Can a cancelled Axis credit card be reactivated?

No, a new application is required.

Will annual fee be charged after cancellation?

No, if the card is closed before the fee posting date.

In short

Axis Bank credit cards can be cancelled easily.

Dues must be cleared first.

Good timing avoids extra charges.

Still unsure whether cancelling or keeping a card makes more sense right now?